1、Insuring Against Extreme Heat:Navigating Risks in a Warming WorldW H I T E P A P E R J A N U A R Y 2 0 2 5In collaboration with AllianzImages:Getty ImagesDisclaimer This document is published by the World Economic Forum as a contribution to a project,insight area or interaction.The findings,interpre

2、tations and conclusions expressed herein are a result of a collaborative process facilitated and endorsed by the World Economic Forum but whose results do not necessarily represent the views of the World Economic Forum,nor the entirety of its Members,Partners or other stakeholders.2025 World Economi

3、c Forum.All rights reserved.No part of this publication may be reproduced or transmitted in any form or by any means,including photocopying and recording,or by any information storage and retrieval system.ContentsForeword 3Executive summary 41 Extreme heat risk landscape and the ageof global boiling

4、 52 The uninsurable world and the insurance protection gap 93 Innovative insurance products and partnerships 133.1 Parametric insurance 133.2 New tech for risk insights 153.3 Early warning systems 173.4 Heat action plans 173.5 Nature-based solutions 184 Call to action for the insurance industry and

5、public sector 20Conclusion 24Contributors 25Endnotes 27Insuring Against Extreme Heat:Navigating Risks in a Warming World2ForewordProlonged periods of extreme temperatures and increasingly frequent and severe heatwaves have ushered in an age of“global boiling”.In contrast to headline-grabbing hurrica

6、nes and earthquakes and their immediately visible catastrophic effects,extreme heat has unleashed a host of perils on populations,communities and infrastructure in a silent,incremental and mostly unnoticed way.The World Economic Forums Extreme Heat Resilience Consortium which brings together the glo